Research suggests credit card debt tripled in the 1990s by 53% for the average American family. Which of the following factors was responsible for this increase? Question 9 options: a) people began to spend uncontrollably on fancy clothes and fancy jewelry. b) most families did not know how to budget their income such that all of their household expenses would be paid. c) deferring payment of credit cards so income can be used to make ends meet became the "American way" for many to finance daily life. d) the increase in stress caused many to spend on alcoholic products